Down Payment Assistance Programs

Let us lend a hand in your journey to homeownership

Flexible Options

Make it easier to qualify for and put money down on a house.

Tailored to You

Work with us to create a plan that'll help you get into a home you own.

Special Offers

First-time homebuyersD and public service workersD can qualify.

Special Offers

Get matching or grant funds toward your home

Veterans,D public service workersD and first-time homebuyers may be eligible for special down payment assistance programs.D

  • First-time homebuyers can get $4 for every $1 they put toward a home up to $5,000
  • Public service workers can get $4 for every $1 up to $7,500
  • Military members and their spouses can get up to $10,000 in grant funding

Down payment assistance makes it easier to get a mortgage

Multiple program options

With multiple down payment assistance programs available, you can get the best match between your payment and your budget.

Flexible credit guidelines

Make it easier to qualify for your mortgage loan.

Options to meet your needs

Flexible down payment and cash reserve requirements let us tailor the program to you.

Normal credit approval applies.

Not applicable in all states.

Some restrictions apply.

Public service workers include current or retired law enforcement officers, educators, health care workers, firefighters and other first responders.

First-time Homebuyer Product, Community Partners Product and Veterans Products are products of the Federal Home Loan Bank of Atlanta. Veterans Products are available to veterans or active-duty members of any branch of the US military, their spouses, or their surviving spouses. National Guard Reservists are eligible if they have served in active duty or performed services in active duty or were injured in active duty. Please see the Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan for complete product requirements.

Household income restrictions and other requirements apply. Programs available based upon funds availability.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.